Compare Time Deposit Accounts in Germany

Updated on 23 October 2019

16 offers from 13 banks
Interest Rates: 0.00 - 1.30 % p.a.
Deposit Terms: 1 - 120 months
Rating
 (4.2)
Currency
EUR
Interest Rate (p.a.)
0.15 - 1.20 %
Deposit Term
1 - 120 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.15 %
Max. Interest Rate (p.a.)
1.20 %
Min. Deposit Term
1 month
Max. Deposit Term
120 months
Time Deposit Account Provider
 (4.2)

Founded in 1924, IKB Deutsche Industriebank supports medium-sized enterprises and private equity funds in Germany and Europe by providing loan products, risk management, capital market services and advisory services. Besides corporate banking products, IKB Deutsche Industriebank also offers retail banking products.

 SWK Bank
Germany
Rating
 (4.3)
Currency
EUR
Interest Rate (p.a.)
0.15 - 0.65 %
Deposit Term
1 - 72 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.15 %
Max. Interest Rate (p.a.)
0.65 %
Min. Deposit Term
1 month
Max. Deposit Term
72 months
Time Deposit Account Provider
 (4.3)

Süd-West-Kreditbank Finanzierung GmbH (SWK Bank) was founded in 1959. Now SWK Bank is a direct bank offering retail banking products and services over the Internet and thus avoiding having to support a high-cost branch network. The costs saved this way are passed on to the bank costomers.

 netbank
Germany
Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.01 - 0.05 %
Deposit Term
1 - 12 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.05 %
Min. Deposit Term
1 month
Max. Deposit Term
12 months
Time Deposit Account Provider

Established in 1998, netbank is a direct bank offering banking products and services to retail and corporate customers. The bank is focused on providing consumer loans, current accounts and savings accounts. The product range of netbank is characterized by transparency, favorable conditions and high cost efficiency. Since July 2016 netbank operates under the brand of Augsburger Aktienbank AG.

Rating
 (3.1)
Currency
EUR
Interest Rate (p.a.)
0.00 %
Deposit Term
1 - 3 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.00 %
Max. Interest Rate (p.a.)
0.00 %
Min. Deposit Term
1 month
Max. Deposit Term
3 months
Time Deposit Account Provider
 (3.1)

Established in 1994, comdirect bank is a direct bank, a member of Commerzbank Group. Initially prodiving online brokerage services, comdirect bank now also offers a complete range of retail banking products and services to its online customers. In 2009 comdirect bank started offering investment management solutions to business customers.

Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.56 - 0.81 %
Deposit Term
3 - 24 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.56 %
Max. Interest Rate (p.a.)
0.81 %
Min. Deposit Term
3 months
Max. Deposit Term
24 months
Time Deposit Account Provider

net-m Privatbank AG 1891 is a 100% subsidiary of net mobile AG and a part of NTT DOCOMO Group (Japan). In the areas of retail and corporate banking, net-m Privatbank AG in 1891 specializes in products that are innovative and tailored to the needs of each target group.

Rating
 (1.4)
Currency
EUR
Interest Rate (p.a.)
0.30 - 0.95 %
Deposit Term
3 - 84 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.30 %
Max. Interest Rate (p.a.)
0.95 %
Min. Deposit Term
3 months
Max. Deposit Term
84 months
Time Deposit Account Provider
 (1.4)

Credit Plus Bank is a 100% subsidiary of CA Consumer Finance and thus part of French banking group Crédit Agricole. CreditPlus Bank focuses exclusively on retail credit products. Consumer loans are offered in the bank branches, over the Internet and via partners.

Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.20 - 1.15 %
Deposit Term
3 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.20 %
Max. Interest Rate (p.a.)
1.15 %
Min. Deposit Term
3 months
Max. Deposit Term
60 months
Time Deposit Account Provider

Greensill Bank was established in 1927 as NordFinanz Bank. Since 2014 the major shareholder of the bank is Greensill Capital (United Kingdom). Greensill Bank provides a selected range of retail and corporate banking products, including deposit accounts, installment loans, business operating loans and trade finance.

 KT Bank
Germany
Rating
 (4.3)
Currency
EUR
Interest Rate (p.a.)
0.40 - 1.30 %
Deposit Term
6 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.40 %
Max. Interest Rate (p.a.)
1.30 %
Min. Deposit Term
6 months
Max. Deposit Term
60 months
Time Deposit Account Provider
 (4.3)

KT Bank is the first bank in Germany, which offers a wide range of financial products and services to retail and corporate customers according to the transparent principles of Islamic banking. In March 2015, KT Bank obtained a license to perform deposit-taking and lending activities.

Rating
 (3.1)
Currency
EUR
Interest Rate (p.a.)
0.10 - 0.80 %
Deposit Term
6 - 48 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.80 %
Min. Deposit Term
6 months
Max. Deposit Term
48 months
Time Deposit Account Provider
 (3.1)

Deutsche Kontor Privatbank provides private banking and asset management products and services. Deutsche Kontor Privatbank also established a new brand, Deutsche Handelsbank, providing specialized products and services to e-commerce businesses to support them and promote their expansion.

 pbb direkt
Germany
Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.05 - 1.30 %
Deposit Term
6 - 120 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.05 %
Max. Interest Rate (p.a.)
1.30 %
Min. Deposit Term
6 months
Max. Deposit Term
120 months
Time Deposit Account Provider

Deutsche Pfandbriefbank AG was formed in June 2009 when two Pfandbriefbanks (eng - mortgage bond banks), Hypo Real Estate Bank AG and DEPFA Deutsche Pfandbriefbank AG were merged. Deutsche Pfandbriefbank specializes in financing of commercial real estate investments and public investment projects. The bank is the largest issuer of Pfandbriefe and an important issuer of covered bonds in Europe. Since 16 July 2015, Deutsche Pfandbriefbank AG is listed in the Prime Standard segment of the Regulated Market of the Frankfurt Stock Exchange.

 solarisBank
Germany
Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.50 - 1.25 %
Deposit Term
12 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.50 %
Max. Interest Rate (p.a.)
1.25 %
Min. Deposit Term
12 months
Max. Deposit Term
60 months
Time Deposit Account Provider

solarisBank is a technological company with a banking license. solarisBank provides a modular, easy-to-implement banking API, enabling banking solutions suited to customers unique needs.

Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.25 - 0.90 %
Deposit Term
12 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.25 %
Max. Interest Rate (p.a.)
0.90 %
Min. Deposit Term
12 months
Max. Deposit Term
60 months
Time Deposit Account Provider

North Channel Bank GmbH & Co. KG was founded in 1924 in Berlin as a privately owned bank Bankhaus Oswald Kruber. In 2009, Bankhaus Oswald Kruber was acquired by a group of North American investors with expertise in the US Life Settlement sector and renamed to North Channel Bank. North Channel Bank provides financing and investments in US Life Settlements, structured finance especially in the renewable energies sector, and consulting services.

 solarisBank
Germany
Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term
12 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.10 %
Min. Deposit Term
12 months
Max. Deposit Term
60 months
Time Deposit Account Provider

solarisBank is a technological company with a banking license. solarisBank provides a modular, easy-to-implement banking API, enabling banking solutions suited to customers unique needs.

 GEFA Bank
Germany
Rating
 (5.0)
Currency
EUR
Interest Rate (p.a.)
0.15 - 0.35 %
Deposit Term
24 - 48 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.15 %
Max. Interest Rate (p.a.)
0.35 %
Min. Deposit Term
24 months
Max. Deposit Term
48 months
Time Deposit Account Provider
 (5.0)

GEFA Bank is an equipment and vendor finance company, offering loan, leasing, hire purchase and insurance products for mobile assets. GEFA'a products and services are offered under the brand of Societe Generale Equipment Finance.

 GEFA Bank
Germany
Rating
 (5.0)
Currency
EUR
Interest Rate (p.a.)
0.18 - 0.41 %
Deposit Term
36 - 72 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.18 %
Max. Interest Rate (p.a.)
0.41 %
Min. Deposit Term
36 months
Max. Deposit Term
72 months
Time Deposit Account Provider
 (5.0)

GEFA Bank is an equipment and vendor finance company, offering loan, leasing, hire purchase and insurance products for mobile assets. GEFA'a products and services are offered under the brand of Societe Generale Equipment Finance.

Rating
 (3.1)
Currency
EUR
Interest Rate (p.a.)
0.00 %
Deposit Term
120 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.00 %
Max. Interest Rate (p.a.)
0.00 %
Min. Deposit Term
120 months
Max. Deposit Term
120 months
Time Deposit Account Provider
 (3.1)

Established in 1994, comdirect bank is a direct bank, a member of Commerzbank Group. Initially prodiving online brokerage services, comdirect bank now also offers a complete range of retail banking products and services to its online customers. In 2009 comdirect bank started offering investment management solutions to business customers.

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

Time deposits accounts are interest-bearing deposit acoounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

The table above shows essential details of selected time deposit products offered to retail customers by the banks in Germany: currency, interest rate per annum and deposit term. The time deposit accounts terms vary from 1 month to 10 years (120 months). The interest rates are within the range 0.00 - 1.30 %. The interest rates provided in the table do not take into account withholding tax levied on interest income in Germany.

Time deposit accounts made with credit institutions in Germany are covered by deposit guarantee scheme up to 100,000 EUR per depositor.

In February 2019, average annual deposit interest rate in local currency (Euro) of new contracts with fixed term up to 1 year between credit institutions and retail customers (households) was 0.29 %.

Germany's Moodys country ceiling (the highest rating that can be assigned) for deposits in local currency is set to Aaa (prime).

See Also